Medina Valley State Bank in Devine, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 04, 2010

  • Medina Valley State Bank in Devine, Texas (TX)
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Medina Valley State Bank - Overview

  • General
  • FDIC Certificate #: 15513
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Security State Bank (#1497)
    Federal Reserve ID: 639950
    Date Established: July 17, 1937
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 9812
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 17, 1937
    Last Structure Change Effective Date: June 04, 2010
    Last Structure Change Process Date: June 18, 2010
    Last Data Update: June 18, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 Tx Hwy 132 N, Devine, TX 78016
    County: Medina
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • Financial Summary
  • Total assets: $81.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2009)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $78,533Total assets
  • $10,679Cash and due from depository institutions
  • $7,520Interest-bearing balances
  • $42,215Securities
  • $3,600Federal funds sold & reverse repurchase agreements
  • $19,286Net loans & leases
  • $296Loan loss allowance
  • $0Trading account assets
  • $685Bank premises and fixed assets
  • $48Other real estate owned
  • $0Goodwill and other intangibles
  • $981Life insurance assets
  • $2,020All other assets
  • $78,533Total liabilities and capital
  • $68,415Total liabilities
  • $67,580Total deposits
  • $54,011Interest-bearing deposits
  • $67,580Deposits held in domestic offices
  • 90.86%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $835All other liabilities
  • $10,118Total equity capital
  • $10,118Total bank equity capital
  • $10,118Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $2,000Undivided profits
  • Memoranda
  • $7,118Noncurrent loans and leases
  • $810Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3Earning assets
  • $0Long-term assets (5+ years)
  • $540Average Assets, year-to-date
  • $72,621Average Assets, quarterly
  • $24,856Volatile liabilities
  • $78,034Insider loans
  • $78,634FHLB advances
  • $12,465Loans and leases held for sale
  • $691Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $810Total unused commitments
  • $0Restructured Loans and leases
  • $303Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $3,257Total interest income
  • $805Total interest expense
  • $2,452Net interest income
  • $180Provision for loan and lease losses
  • $1,033Total noninterest income
  • $0Fiduciary activities
  • $709Service charges on deposit accounts
  • $0Trading account gains & fees
  • $324Additional noninterest income
  • $2,752Total noninterest expense
  • $1,417Salaries and employee benefits
  • $260Premises and equipment expense
  • $1,075Additional noninterest expense
  • $553Pre-tax net operating income
  • $264Securities gains (losses)
  • $48Applicable income taxes
  • $769Income before extraordinary items
  • $0Extraordinary gains - net
  • $769Net income attributable to bank
  • $0Net charge-offs
  • $769Cash dividends
  • $194Sale, conversion, retirement of capital stock, net
  • $450Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.45%Net interest margin
  • 1.45%Noninterest income to earning assets
  • 3.87%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 7.68%Return on equity (ROE)
  • 3.19%Retained earnings to average equity (YTD only)
  • 0.97%Net charge-offs to loans
  • 92.78%Credit loss provision to net charge-offs
  • 3.78%Efficiency ratio
  • 78,967Assets per employee
  • 3.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.52%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 9866.67%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 28.54%Net loans and leases to core deposits
  • 34.99%Equity capital to assets
  • 12.88%Core capital (leverage) ratio
  • 12.22%Tier 1 risk-based capital ratio
  • 34.29%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $78,034Average earning assets
  • $10,012Average equity
  • $71,166Average loans

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